Your health insurance choice does make a difference.

Meet ottonova - the new digital health insurance designed to make your life more convenient. We arrange your doctors’ appointments by a simple app click and guarantee real-time concierge support in English, top-notch digital services, and outstanding coverage.

  • Special expat rates And excellent coverage

  • Full support in English To make your life easier

  • Get your visa Fullfills all legal requirements

  • No paperwork Sign up online and use the app

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Premium health insurance for little money.

You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.

Public Insurance

expats Pokal

First Class Expats

Premium Economy

ottonova PC100

Business Class

ottonova BC100
All outpatient doctors
All specialists without referral Primary physician principle
Reimbursement all medications
Reimbursement visual aids up to 300 € every 2 years up to 150 € every 3 years up to 300 € every 2 years
Free choice of hospitals
Accommodation multi-bed room 1-bed room 2-bed room 2-bed room
Chief Physician
Dental treatment 0 – 100% 100% 100% 100%
Worldwide coverage
Fully digital
Quick appointments
Payback Logo 7500-en Payback Punkte 7500-en Payback Punkte 7500-en Payback Punkte
Exemplary monthly rate for employees 439 € 165 € 229 € 257 €
*Exemplary premium for employees not including employer contribution, calculated for a 30 year old customer with income higher than 64,350 Euro per year for health insurance and long term care insurance. Get a consultation View full coverage

A health insurance policy that focuses primarily on your needs.

We have designed a new kind of health insurance for expats that offers you extensive coverage, time-saving digital services and English-speaking support.

Real-time Support
Timeline App Screen
  • Ulrike Leicht lächelndes Gesicht
  • Andrea Rotes Herz
  • Matthias Sprechblase
Real-time Support

Your English-speaking concierge team.

Our dedicated English-speaking team saves you time and trouble. Whatever question you might have, the concierge is there to help and assist you via our app or on the phone. We guide you through the healthcare system and even schedule your doctor's appointments for you.

Get a consultation
Digital services
Timeline App Screen
Digital services

No more paperwork.

Germans seem to love paper. Doctor's invoices, sick notes and contracts – all on paper. We are putting an end to this. All of your important health documents can be saved and stored in the ottonova app.

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Digital Doctor's Visit
Timeline App Screen
Digital Doctor's Visit

English-speaking doctor on a video call.

Struggling to find doctors that speak English? Just use our app for a video call and receive a diagnosis, treatment plans, and even sick notes for work. Of course, you can still go to the doctor of your choice.

Get a consultation

What else does ottonova

  • We not only accept customers with short-term visas but also assist you when you want to extend it.
  • Health insurance from ottonova fullfills all legal requirements for your visa according to § 257 SGB V.
  • Want to explore the world? Go for it! All our rates provide you comprehensive coverage around the world.

Premium coverage for very little money.

Unlike public insurance, your premium at ottonova is not dependent upon your income. This means a huge saving potential for you. Simply tell us your age and employment status to find out how much you can save.

Personal advice, that really helps you out.

We do everything we can to help you make an informed conscious decision that will benefit you for life.

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Trustpilot 5 Sterne

„Ottonova is one of the best companies I have dealt with in Germany. Their excellent customer service is what sets them apart: they are friendly, professional and quick. They’re always happy to help, and I wouldn’t hesitate to recommend them.“

Sam Starling Verified ottonova customer